Pros & Cons

Pros

  • No annual fee

Cons

  • No purchase protection

Our Review

Seamlessly Pay Down Debt & Earn Rewards with the Discover it® Chrome Card

  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter; 1% cash back on all other spend
  • Unlimited Cashback Match™—Discover automatically doubles all the cash back you’ve earned at the end of your first year
  • 0% intro APR for 15 months on purchases and balance transfers
  • No annual fee and no foreign transaction fees
  • Automatic rewards—bonus categories apply without activation each quarter

Whether you’re clearing high-interest balances or covering everyday expenses, the Discover it® Chrome Card combines powerful financing with steady cash back. Take advantage of an intro APR period for transfers and purchases, while earning a simple 2% back on gas and dining—no activation required. Then watch your rewards double during your first year with unlimited Cashback Match™, giving you twice the value effortlessly. With no fees to worry about and convenient mobile tools to manage payments, this card is perfect for savvy spenders who demand both flexible borrowing and reliable rewards.

Terms apply. Balance transfer fee: 3% intro, then up to 5%. Variable APR 17.74%–26.74% after intro period. See issuer for full details.

Rewards

All Spending

1x

Cash Back pts per dollar

Gas

2x

Cash Back pts per dollar

Restaurants

2x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries1x
$700/mo
Gas & EV2x
$200/mo
Transit1x
$100/mo
Restaurants2x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
Online advertising1x
$0/mo
All other spending1x
$500/mo

Points Earned

36,000

Cash Back/yr

Estimated Value

$360

After Fees

+$360

1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.

$360

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.2x
Total points earned36,000 pts
Value of points accumulated in the first year≈ $360

Terms & Conditions

Card Features

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers-only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness.
  • Redeem your rewards for cash at any time.
  • No annual fee.
  • Terms and conditions apply.

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Discover. All trademarks are property of their respective owners.